Oregon Car Insurance in Requirements

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Minimum car insurance in Oregon

Oregon requires car owners to buy more auto insurance than many other states require: Liability, uninsured/underinsured motorist coverage and personal injury protection, or PIP. But the state minimum amounts may not be enough if you're in an accident. And the state-required insurance won't cover damage to your own vehicle. Let's look at what's available so you can makethe right purchase for what you want.

Liability insurance pays others if you cause damage or injuries in a crash. Buying the Oregon state minimum insurance may not be enough, especially if you have assets like a house and savings. You can be sued for accident bills if you don't have enough liability insurance.

Minimum liability insurance in Oregon:

$25,000 bodily injury per person
$50,000 bodily injury per accident
$20,000 property damage per accident

This is often written as 25/50/20.

Minimum uninsured motorist (UM) and underinsured motorist (UIM) coverage:

You must buy UM in Oregon. The minimum UM coverage is $25,000 per person/$50,000 per accident (known as 25/50). UIM coverage is also required if you buy more than the state minimum for liability insurance. UIM limits must match your limits for bodily injury liability.
A form of UM called uninsured motorist property damage (UMPD) coverage is available in Oregon. It's similar to UM but covers your property damage rather than injuries. It will also cover car damage from a hit-and-run driver.

Personal injury protection (PIP):

You must buy at least $15,000 of PIP insurance in Oregon. This pays your medical bills if you're struck by a car while driving, walking or riding a bicycle. It will pay no matter who is at fault.

More types of auto insurance

Comprehensive: For theft of your car or damage caused by hitting an animal, hail, flood, fire, vandalism, falling objects and explosions.

Collision: For your own car damage from hitting another car or an object, like a fence or tree.

If you have a car loan or lease you are probably required to have both comprehensive and collision insurance.

Rental reimbursement: For a rental car if your vehicle is being repaired after an accident.

More: Cheap car insurance in Oregon

You must show an insurance ID card (or other proof of financial responsibility) in Oregon when:

Law enforcement requests it.

Penalties for not having auto insurance in Oregon

Fines range from $1,300 to $2,000. License suspension and/or registration revocation is also possible.

Source: Property Casualty Insurers Association of America

Complaints against car insurance companies

The Oregon department of insurance handles complaints against insurance companies. A "complaint ratio" is meant to show the number of complaints nationally against a company in relation to its size of business. Shown below are ratios for the biggest car insurance companies in Oregon.